The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$35,797
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,911
−HK$1,131/mo
Today · 4.125%
HK$38,042
baseline
▲ 0.50% · 4.625%
HK$40,357
+HK$2,315/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,084/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,824
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,892
−HK$1,084/mo
Today · 4.125%
HK$41,976
baseline
▲ 0.50% · 4.625%
HK$44,188
+HK$2,212/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,952/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,957
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,293
−HK$1,357/mo
Today · 4.125%
HK$45,650
baseline
▲ 0.50% · 4.625%
HK$48,428
+HK$2,778/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,300/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,789
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,071
−HK$1,300/mo
Today · 4.125%
HK$50,371
baseline
▲ 0.50% · 4.625%
HK$53,026
+HK$2,655/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,742/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,116
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,675
−HK$1,584/mo
Today · 4.125%
HK$53,259
baseline
▲ 0.50% · 4.625%
HK$56,500
+HK$3,241/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,518/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,754
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,249
−HK$1,517/mo
Today · 4.125%
HK$58,766
baseline
▲ 0.50% · 4.625%
HK$61,863
+HK$3,097/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,532/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,435
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,439
−HK$2,037/mo
Today · 4.125%
HK$68,476
baseline
▲ 0.50% · 4.625%
HK$72,642
+HK$4,166/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$136,952/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,683
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,606
−HK$1,950/mo
Today · 4.125%
HK$75,556
baseline
▲ 0.50% · 4.625%
HK$79,539
+HK$3,983/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$151,112/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,704 · Scale 2, in force from 26 Feb 2026)